Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

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Trying to find better auto insurance rates for your BMW 6 Series Gran Coupe? Pricey BMW 6 Series Gran Coupe insurance can bleed your savings and force you to make sacrifices. Getting a rate comparison can save money and help to make ends meet.

Popular companies such as Progressive, GEICO and Farmers Insurance constantly bombard you with ad campaigns and it is challenging if not impossible to avoid their marketing magic and find the best price available.

You should make it a habit to compare rates before your next renewal because prices tend to go up over time. If you had the best deal for 6 Series Gran Coupe coverage a year ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the things you must know in order to reduce your cost while improving coverage.

If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Finding the best rates is not that difficult. Drivers just need to understand the best way to shop on the web.

You may qualify for discounts

Insurance can cost an arm and a leg, but you can get discounts that can drop the cost substantially. Many discounts should be triggered at the time you complete a quote, but once in a while a discount must be specifically requested prior to receiving the credit.

  • Discount for Life Insurance – Some companies give better prices if you take out life insurance from them.
  • Policy Bundle Discount – If you can combine your auto and home policy with one insurance company you could save up to 20% off your total premium.
  • College Student Discount – Kids who are attending college without a vehicle on campus may be able to be covered for less.
  • Driving Data Discount – People who choose to allow companies to spy on when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they are good drivers.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to fasten their seat belts can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
  • Theft Deterent System – Vehicles with anti-theft systems are stolen with less frequency and will save you 10% or more.
  • Homeowners Discount – Simply owning a home can earn you a little savings since owning and maintaining a home requires a higher level of personal finance.
  • Memberships – Being a member of qualifying employment or professional organizations could earn you a nice discount on your next auto insurance statement.
  • Discounts for Federal Employees – Active or retired federal employment could cut as much as 10% off for 6 Series Gran Coupe coverage but check with your company.

As is typical with insurance, most credits do not apply to your bottom line cost. Most only reduce specific coverage prices like comp or med pay. So when the math indicates adding up those discounts means a free policy, auto insurance companies aren’t that generous.

A list of companies and their offered discounts can be read below.

  • State Farm may have discounts that include driver’s education, multiple autos, anti-theft, defensive driving training, good driver, Drive Safe & Save, and passive restraint.
  • Progressive discounts include online signing, multi-vehicle, online quote discount, multi-policy, homeowner, continuous coverage, and good student.
  • Travelers policyholders can earn discounts including hybrid/electric vehicle, new car, payment discounts, driver training, and IntelliDrive.
  • American Family has discounts for TimeAway discount, air bags, multi-vehicle, bundled insurance, mySafetyValet, early bird, and accident-free.
  • Liberty Mutual may include discounts for safety features, newly retired, hybrid vehicle, new vehicle discount, new move discount, multi-car, and exclusive group savings.

Before you buy a policy, ask all companies you are considering to give you their best rates. Some discounts listed above might not apply in your state. If you would like to see a list of providers that have a full spectrum of discounts, click this link.

Enter your zip code below to view companies that have cheap auto insurance rates.

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There’s no such thing as the perfect insurance policy

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different so your insurance should reflect that For example, these questions can aid in determining if your situation might need professional guidance.

  • Can I afford to buy a different vehicle if my 2014 BMW 6 Series Gran Coupe is totaled?
  • Is there coverage for injuries to my pets?
  • When should I drop full coverage on my 2014 BMW 6 Series Gran Coupe?
  • What if I owe more than I can insure my car for?
  • Is upholstery damage covered by car insurance?
  • Does my car insurance cover rental cars?
  • I don’t drive much so do I pay less?
  • How many claims can I have before being cancelled?
  • Is my babysitter covered when using my vehicle?
  • Can I drive in Mexico and have coverage?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Don’t be fooled by advertising claims

Drivers can’t get away from ads that claim the best premium rates from the likes of State Farm, Allstate and GEICO. They all make the point that drivers will save a bundle if you get a free insurance coverage quote and switch to them.

How does every company give you a lower rate? Just pay attention to how they say it.

Insurance companies offer their best rates for the type of driver that will be a good risk. A good example of a desirable insured might have to be a mature driver, has no claims, and has excellent credit. A customer that meets those criteria will get low auto insurance rates and will save when switching.

Potential insureds who don’t qualify for these stringent criteria must pay higher premium rates which translates to the customer not purchasing. Company advertisements say “drivers that switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how insurance companies can confidently make claims that they all have the best rates. That is why it’s extremely important to get insurance coverage quotes from several different companies. It is impossible to guess which car insurance company will fit your personal profile best.

Specific coverages for a BMW 6 Series Gran Coupe

Learning about specific coverages of a auto insurance policy can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be difficult to understand and coverage can change by endorsement. These are the usual coverages found on the average auto insurance policy.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for immediate expenses for funeral costs, surgery, chiropractic care and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage will cover damage that occurs to a person or their property. It protects you from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability insurance covers things such as emergency aid, loss of income, medical services and structural damage. How much liability coverage do you need? That is your choice, but consider buying as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision protection

This will pay to fix damage to your 6 Series Gran Coupe from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things like driving through your garage door, damaging your car on a curb, scraping a guard rail and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Pennies from heaven

When you buy insurance coverage online, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where an insured cut full coverage only to find out that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at the best price.

Affordable 2014 BMW 6 Series Gran Coupe insurance is possible from both online companies and from local agencies, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not have online rate quotes and these regional carriers only sell through independent agencies.

More detailed car insurance information can be read in these articles: